Frequently asked questions

An Australian credit broker — a division of Ownright Custom Finance. You tell us what you need the money for, and we search our panel of 60+ lenders to find finance that fits — then help you apply and settle.

No. Enquiring is free and there’s no obligation. If any broker fee would apply to your loan, we’ll tell you in writing before you proceed.

No. Our form is an enquiry, not an application. A credit check only happens when you choose to apply with a particular lender — and we’ll tell you before that happens.

It depends on your income, expenses, existing debts, the purpose and whether there’s security like a car or caravan. Personal loans commonly run from a few thousand dollars up; secured vehicle loans can go higher. We’ll give you a realistic figure after a short chat.

Straightforward applications with documents ready are often approved within a day or two. Once approved, some lenders can settle within 24 hours. Complex situations can take longer — we’ll keep you posted.

Yes. Joint applications are common for cars, caravans, renovations, weddings and IVF. Combining incomes can help, but both applicants’ credit histories are considered.

Often. Some lenders on our panel look at your whole situation, not just a score. We’ll be honest about what’s realistic and make one targeted application rather than several.

Yes. We regularly help sole traders, contractors and business owners. Recent tax returns, BAS or business bank statements usually do the job, and low-doc options exist for some purposes.

A specialist calls you — usually the same business day — to confirm a few details and talk through options. Nothing is submitted to a lender without your OK.

Yes. Home loan refinance enquiries go to our home lending team at Ownright Custom Finance, and business enquiries go to our business lending team. You still use the same form.